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Life Event
MarriageEvery engaged or newlywed couple must in some point in time address issues money. The first and probably the most obvious question they ask is what to do about their finances. Should they combine or keep separate their accounts. While many couples choose to consolidate their finances, some choose a hybrid opting to combine some and keep separate others. This is probably a good option. It's probably good to combine the big accounts, such as having a joint checking and savings account, through which the responsibility of funding them is shared. That way there's transparency and cooperation.
Couples need to be careful how they manage joint accounts. This is especially important when credit is involved. Joint credit cards affect the credit profiles of both parties. Both spouses are financially liable for the credit account.
Divorce
Divorces are unfortunate and can get nasty if the breakup is not amicable. To avoid future problems, financial obligations and accounts should be separated as soon as possible. There's always the possibility an ex-spouse will maliciously sabotage the other spouses credit. You want to break away from the joint liabilities you have so that they won't harm you.
Issues such as alimony and child support need attention too. These are financial obligations that are recorded in your credit history. Failure to comply will make things difficult for you if you choose to get a loan or open a new account.
Bankruptcy
Bankruptcy should be the last resort if you're in financial trouble. It's not good and remains on your credit file for up to 10 years. A bankruptcy is a black mark on your credit profile and will make things difficult for you if you want to get a loan of any kind.
A bankruptcy does not automatically clear you of all financial obligations that you have. That's still contingent on the court judgment.
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